Michael was our mortgage broker and he went above and beyond that role! He took the time to run us…read morethrough a crash course on loans, offered us advice and referrals for home inspection, helped coordinate, and was always on top of things, doing whatever he could to help us in our home buying journey. Highly recommend.

Mike, Mike, Mike! We cannot recommend him enough, and it's a testament to his expertise and care…read morethat we've worked with him for not one--but two home purchases! First, he helped us find and buy our very first townhome, and six years later, he guided us to our dream primary residence. What makes Mike truly exceptional is not just his depth of knowledge in real estate, but also his expertise as a lender. He took the time to ensure we understood every aspect of our loan--not just the numbers, but the strategy behind choosing the right terms for our long-term goals. Beyond that, he helped us think outside the typical inspection process, connecting us with specialists so we had a complete and well-rounded understanding of the home before making such a big decision. Mike is remarkably patient, always available (even for early-morning calls or late-night questions), and his approach is refreshingly thorough and considerate. He doesn't just want to close a deal--he genuinely cares that his clients make smart, well-informed choices. If you're looking for someone who is as knowledgeable as they come and has an unmatched commitment to your best interests, Mike is as patient, caring, and knowledgeable as they come.

Jesse and his team totally kick ass selling our house. Couldn't be more happy how easy it was with…read morehim. The only problem was I couldn't have him for our new house though... I'll just say not all Real Estate agents are created equal... Jesse is a real alpha, if you just let him do his thing and follow his direction y'all won't be disappointed. We had our buyer within a week of our listing going live and had several bids... in December at that... Thanks Jesse and the team at greenhouse Group -Matt/Cherie

My husband and I recently bought our first home, and we truly couldn't have done it without the…read moreincredible team at the Greenhouse Group. Our realtor, Craig, was amazing from start to finish. He helped us search for the right place and offered thoughtful, honest advice throughout the entire process. One thing we really appreciated was that we never once felt pressured to make a quick decision. Craig genuinely wanted us to find a home that we loved and that he himself would feel comfortable living in. He was also extremely diligent during the home inspection process, which gave us a lot of confidence and peace of mind. Craig went above and beyond in ways we never expected. He even took the time to make a YouTube video for my husband to show him how to handle a few DIY things around the house. On top of that, he had several hour-plus phone calls with my husband just to walk through the escrow process in detail and make sure we truly understood everything that was happening. That level of patience and dedication meant a lot to us. At one point Craig had even injured his foot, and despite that he still showed up to help us view homes. That kind of commitment really says a lot about the kind of person he is. We also want to give a huge shoutout to Jeremy, our mortgage officer. Buying a home is one of the biggest financial decisions you can make, and Jeremy did an incredible job walking us through everything step by step. Our loan situation was a bit complicated in the beginning, but Jeremy gave us solid advice and helped us get to where we needed to be in less than a year. He always made sure we understood the financial side of things and felt comfortable with the decisions we were making. Jeremy also showed us that having a strong relationship with lenders and simply being a genuinely good, personable person who's easy to talk to can make a huge difference in getting a loan approved. On top of all his professional accolades and knowledge, he's someone who is approachable and easy to communicate with, which is honestly a rare quality and something that made this whole process so much smoother for us. What really stood out to us about this team is that they're not just a realtor group. They're a group of people who ended up becoming our friends throughout this journey. They made it clear that if we ever have questions down the road, they'll always be available to help, no matter how long it's been since we bought our home. That kind of long-term support means a lot. Overall, the entire team was incredibly helpful, communicative, and trustworthy. We always felt like they were truly in our corner. The constant communication between everyone meant we never went a day wondering where we were in the process. Even though we know they work with many clients, they made us feel like we were their only ones. We're so grateful for their support and guidance during such an important milestone in our lives. And when the time comes for us to buy or sell again in the future, there's no question -- this is the team we'll be working with.

If I could give a million star rating I would!!…read more We had been applying with one lender and another since January 2022. Some of the initial lenders would make the initial contact and then drop us off their radar and from the others we would simply not hear back from them. After some online searches I found Anita and her team. I submitted an inquiry and Anita quickly reached back out to me, ensured that her team would take care of us and let me know that I could call her or her team with any questions or concerns we might have. I immediately realized that her team would be the lender that would get us ready for our home search. We began the underwriting process and their dashboard made it extremely easy to upload and sign documents. Very user friendly! I had a ton of questions and would keep reaching out to Anita and she would gladly provide her recommendation and feedback. After about a week or so, I had reached out to her again and let her know that we needed a new agent and then she recommended us to an amazing realtor, Veronica Morin. We went on one day of showings (it was a Monday). Then, that same week on Wednesday, we submitted an offer on a house and by Thursday of the same week we were in escrow. I give credit to Anita's team which had us ready to close escrow in 17 days and also Veronica's constant communication with the seller's agent for getting us our home in such a quick and painless process. Special shout out to Anita's team who would constantly call for updates and reminders to help us stay on top of our escrow process! Really appreciated that I could call them for any updates and go the extra mile to ensure nothing got delayed with escrow. If we wouldn't have documents or something was missing, he would make the necessary calls and get the ball moving again. Truly appreciate Cardinal Financial for taking care of us the whole way through and not just seeing us as another job. My wife and I extremely recommend them for your home buying needs!

Where do I even start?!? First and foremost Anita and her team always knock it out of the park and…read morego above and beyond what is expected! Secondly, this is the second time Anita and her team have helped us with our home buying mission! With our first home it seemed so fair fetched but somehow she walked us through it and made home ownership a reality! Now 3 years later as we looked for our forever home, Anita was right by our side, making our dreams come true! I am a worrier by nature and Anita and her team were able to walk me through ever step and answer ever question no matter the time or place! Words cannot express my gratitude to this amazing team and if I had to do it all over again, I wouldn't change a thing. If I ever need to buy another home (hopefully not in the near future), I know Anita and her team will be there to continue to support me!! If your looking to buy or refinance, this is truly the team you need to turn to!! Thank you so much for putting up with my crazy, calming me down, helping me understand and getting me through ever step!!! Forever grateful !!!

Working with Beau has always been such a pleasure. He is an absolute wealth of knowledge for…read moremyself and my clients. He is fully transparent and does a wonderful job guiding my clients every step of the way. When I work with Beau, we always make it to close on a new home for my clients and it is a joy for all of them. He is a breath of fresh air and has become a friend along the way

I didn't end up originating my mortgage through him, but I just had to come on here and say I…read moreHIGHLY recommend Drew Clemans for your mortgage origination needs. Throughout my entire home buying process Drew was generous with his time and expertise, literally every step of the way. His bio mentions that his approach is rooted in education, and that really came through in my experience. He took the time to make sure I understood what was happening and why, which made the whole process feel a lot less overwhelming. His advice was thoughtful and tailored to my situation, never generic or salesy. He knew I already had a lender but he was still willing to give him time and advice with no strings attached. He also connected me with a homeowners insurance agent who ended up getting me a much better policy than what I was originally planning to sign up for. That referral alone made a huge difference. Drew is the kind of person you want in your corner when you're navigating the home buying process. Knowledgeable, kind, and genuinely invested in helping people. I truly can't recommend him highly enough.

The owner Ben Henry misled me and played games for 5 months, after we where approved. When finally…read morewe got the closing documents, we fund out he has been lying to us about the rate and our monthly payment. very dishonest. I Will report his conduct to the regulating authorities.

This place deserves more than 5 stars. Ben Henry is a very straight up guy to deal with. No bs,…read moreno gimmicks, and no wasting time. He is always available to talk when you need to and he moves fast. We are not the best qualifies home buyers but he treated us like his number 1 customers all throughout the process even changing about 5 times on the house we wanted to buy for different reasons. I highly recommend this guy and his staff for all your mortgage loan needs.

TERRIBLE Service! AS a member of only 6 months I applied for a signature loan and was DENIED,…read moredespite a credit score in the mid 700s and a six figure income and zero debt. The reason for denial was ABSURD and made no sense. So I obtained a loan from my account at Navy Federal and CLOSED my Frontwave Account. WTF is going on with these buffoons at Frontwave? AVOID.

Very terrible bank! They do not care about you and your situation! They will take 29$ out every…read moredollar you cant cover and useless fees Ive never seen a bank do! Do NOT join Frontwave it is the WORST bank to bank with! They will let you rot in random fees and not help you! AT ALL!

Aloha. If you need a lender who actually understands real estate investing and doesn't panic at the…read morefirst sign of a complication, look no further than Griffin Funding. I worked with Marina Oliver and Shell Contizano on a cash-out refinance for one of my vacation rental properties. Because the property has an ADU and my financials involved multiple businesses, a standard loan wouldn't work. Marina expertly guided us into a DSCR loan. Along the way, our title report pulled up an old judgment that wasn't mine and a pending insurance lawsuit. Where other lenders would have backed out or delayed for months, Shell and Marina communicated clearly, told me exactly what documentation they needed (like an identity affidavit and an attorney letter), and pushed the file through underwriting without missing a beat. They put in the elbow grease and got it done. Five stars all the way. Mahalo!

As an experienced Asset Manager with a company overseeing a portfolio of properties, we are sharing…read moreour experience with Griffin Funding for the benefit of the public seeking mortgage loan/brokerage services. * We engaged Griffin to advise us on options for a DSCR 2nd Loan (i.e. 2nd-lien priority). After many hours of extended discussions and emails over many months with the Loan Officer we felt our situation was clear and a subject property for the loan was selected. * We were given verbal assurances that based on the estimates, projections and models shared and discussed, based on the cashflow and DSCR ratio of the property, a loan would be approved. * An appraisal was then requested and ordered by Griffin. We paid $825 for the appraisal fee. * We then stated the loan amount could be adjusted to meet the DSCR ratio requirement. In the meantime, we met on-going, voluminous documentation requests. * Thereafter, the Loan Officer informed us there was a $100K minimum loan policy but agreed to lower the loan amount to $60K in order to obtain approval. At the same time, the Loan Officer stated the appraisal had nothing to do with the loan approval. * Next, we were told that Griffin would not allow an exception to their $100K minimum loan policy and therefore could not approve the loan. The Loan Officer then (again) proposed we switch to a 1st-Lien Refi (requiring a refinance of the entire loan balance from approximately 3% to 9%+, an option we clearly ruled out at inception). * At that point, we requested the $825 appraisal fee be refunded given the minimum loan policy was not made clear at the outset and the Loan Officer stated the appraisal had nothing to do with the loan approval. Surprisingly, our request for a refund was met with immediate rebuttals, reprisals and accusations. When we referred the matter to the CEO of the company noting Griffin's standard email footer "...our CEO would love to hear from you...", after approximately three months we received an email response. Rather than reaching out to discuss the specifics of the situation, address concerns and consider a reasonable resolution, we were again met with absolute rebuttals and refusal to take any further action. Upon expressing our dissatisfaction once more the response was "...refer all correspondence to our attorney...". In our opinion, individuals and businesses seeking real estate funding/loan services are well-advised not to engage Griffin Funding.

Talerlring services and recommendations based on individual financial situations, preferences, and…read moregoals is essential for building strong relationships. Making the most out of your banking needs as well Investments commodities and ways to manage and budget sufficiently making you feel like family.

From El Cajon to sports arena, I have been with point loma credit union for almost 20 years and it…read morejust seems like they do not value their customers as much as they should.. they treat me like just another number, from the extremely rude lady teller in El Cajon to the manager at the sports arena branch they never want to help, be friendly and try to help you.. Just plain rude people.. time to change credit unions..

Maureen was the guiding light through our entire home purchase experience. She knows this business…read moreinside and out and expertly led us through the mountains of work (and paperwork) it takes to close. We quickly found that she is smart, organized, and extremely prompt, and that we could trust her every step of the way. She was the hub and the strongest part of our team. Thank you, Maureen!

As a first time home buyer I was apprehensive about the whole process and totally clueless where to…read moreeven start. We just closed on our first house last week, and I feel SO FORTUNATE to have found Maureen!! She is a mastermind of the mortgage lending process! I don't think I've ever met someone who is so hardworking with such high standards. Even better, Maureen upholds the same high standards for every one else involved in the lending process (escrow company, lenders, realtors, etc.) and she is constantly 2 steps ahead and prepared for anything, with a back up plan "just in case" to ensure everything goes through seamlessly. As a first time homebuyer initially unfamiliar with the process, I now know I threw a couple curve balls and Maureen didn't even bat an eye. As if all that wasn't enough, I also had no idea where to start when looking for a good realtor. Maureen suggested a few she has worked with in the past that she thought were really good, and she did not disappoint. I ended up choosing Melissa Tucci as my realtor, who was just as amazing as Maureen, and the two of them working together turned into an unstoppable powerhouse that could move mountains and get a deal done! If you're looking for a mortgage broker who will take care of you like family and go above and beyond, look no further. You will not be disappointed!

I've worked with Renzo Marsano three times now, and each experience has been outstanding. He first…read morehelped me purchase my home, then guided me through my first refinance, and most recently assisted with my second refinance. Every time, Renzo has been professional, knowledgeable, and incredibly responsive. Renzo takes the time to explain all options clearly, answers questions quickly, and makes what can be a complicated process feel smooth and stress-free. He truly looks out for your best interests and tailors solutions to your specific goals rather than offering a one-size-fits-all approach. The fact that I continue to return to Renzo says it all. I trust him completely and would highly recommend him to anyone looking to purchase or refinance a home.

Renzo was great to work with, would highly recommend. We used Renzo again for a refinance and he…read morewas the best out there. He got us a great rate and made the process very easy.